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Employee Benefits

HR&S Financial Services, LLC - "Providing financial direction for businesses and individuals."

In today's competitive market place, having an attractive employee benefit package will allow an employer to recruit, retain and reward one of its most valuable business assets-its employees. Whether your business is large or small, our professional team can help you design a comprehensive plan for all your employees that will fulfill your benefit and budgetary requirements.

We can also help you develop executive compensation packages for your key personnel. You can build your benefit package from a wide array of insurance products such as health, prescription drug, dental, vision, life, short and long term disability, long term care and voluntary/supplemental plans that are offered by our extensive network of insurance carriers. We will then provide you with an in-depth formal presentation of the results of our carrier solicitations and guide you through the decision-making process. Once you have made your final selection, our staff will continue to assist you through the implementation and on-going administration of your new employee benefit package.

  • Group Health Coverage
    When it comes to offering group health insurance to your employees, you’re faced with many choices. We can help you make the choices that are right for you and your employees.
  • Prescription Drug Plans
    This will be filled in once it is available.
  • Group Dental Insurance
    Providing a dental product is a great way to satisfy your employees' needs for a complete benefit package.
  • Group Vision Insurance
    Along with providing dental insurance, providing a vision package is a great way to fulfill your employees' needs.
  • Group Life Insurance
    Life insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of premature death.
  • Group Disability Insurance
    Disability insurance protects employees against a sudden loss of income due to injury, illness, or disability.
  • Group Long-Term Care
    How would you or your employees get by if they became disabled? Long-term disability insurance protects employees' income in the event of a disability.
  • Voluntary Benefits Plans
    Voluntary benefits allow you to enrich your employee benefits program by adding valuable choices. These products are designed to complement the benefits you already offer and provide a cost-effective way to help you expand your benefits program.
  • Retirement Plans
    The challenge of designing and maintaining competitive, equitable, and cost-effective retirement benefits plan is a daunting one for companies of all sizes. We will help simplify things for you.
  • Section 125 Plans
    With a section 125 plan, both employees and their employers save taxes on the money they pay toward their group health premiums, thus creating a win-win situation.
  • EAP Care
    Providing access to effective professional assistance as part of an employee benefits plan can help employees and their families deal with increasing pressures and problems that may affect their work performance and personal lives.


Contact Us

HR&S Financial Services, LLC welcomes your requests, comments, questions, and/or concerns. Simply fill out our contact form.